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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,376 | $80,983-40.3% | $96,544-49.9% | $75,177-35.7% |
| Participation rate | 55.7% | 71.8%-16.1pp | 76.0%-20.3pp | 67.2%-11.5pp |
| Annual return | 22.06% | 27.05%-5.0pp | 25.88%-3.8pp | 160.75%-138.7pp |
| Employer contribution / active EE | $1,445 | $2,282-36.7% | $2,966-51.3% | $2,671-45.9% |
| Participant deferral / active EE | $2,389 | $3,929-39.2% | $4,851-50.8% | $4,126-42.1% |
| Admin fee / account holder | $986 | $6,717-85.3% | $8,254-88.1% | $5,651-82.6% |